Is Palladium in an IRA even worth it? Or just stick to gold/silver?

Sharon Evans

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Is Palladium in an IRA even worth it? Or just stick to gold/silver?

sharon_evans💰Established (100-250k)

about 8 hours ago

Key Takeaways

•Been thinking a lot lately about diversifying my precious metals even further, beyond just gold and silver.
•Lately, though, palladium keeps popping up in my research.
•I know it’s super volatile and a lot of it is tied to industrial demand, especially from the auto industry for catalytic converters.

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Been thinking a lot lately about diversifying my precious metals even further, beyond just gold and silver. I’ve currently got about $180k spread across gold and some silver rounds in my self-directed IRA, and honestly, it’s been a really solid anchor for my portfolio these last few years. Living here in Tulsa, and working for an oil company, you pick up a few things from the execs about hedging against uncertainty, and that's exactly what my Gold IRA has done.

Lately, though, palladium keeps popping up in my research. I know it’s super volatile and a lot of it is tied to industrial demand, especially from the auto industry for catalytic converters. That makes me a little nervous, to be honest. It sounds like it could either shoot the moon or tank pretty hard depending on global manufacturing and EV adoption rates. My initial investments were pretty conservative, and while I’m not completely risk-averse, I’m also not looking to gamble with my retirement.

For those of you with palladium in your IRA, what’s your experience been like? Did you allocate a specific percentage, or just throw some in when prices looked good? I’m looking at potentially putting maybe $10k-$15k into it if it makes sense, but I’m wondering if that’s just throwing good money after a speculative asset. I remember using that Gold IRA Calculator at calculator.goldirablueprint.com/ when I first set up my Gold IRA to see potential growth, and it was super helpful. I wish there was something similar for palladium, or maybe I could just plug in hypothetical numbers there to see how adding it would affect my overall IRA value.

Part of me thinks sticking with the tried-and-true gold and silver is the smarter play given palladium’s wild swings. But then another part of me wonders if I'm missing out on potential upside. What say you all? Is palladium really a viable long-term IRA asset, or just a short-term trade for active investors? Any lessons learned, good or bad, would be much appreciated!

3 comments

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Best Answer▲ 6 upvotes

charles_lewis💎Premium (500k-1m)

Honestly, I'd say palladium is worth considering, especially if you're already diversified in gold and silver. It's a completely different market with its own drivers (industrial demand, especially auto catalysts), which can actually be a good thing for true diversification. While gold and silver tend to move somewhat in tandem, palladium can sometimes zig when they zag. It’s not about replacing gold/silver, but adding another layer of resilience. Just my two cents.

Comments (3)

joyce_cooper📊Growing (50-100k)✓ Verified•less than a minute ago

Totally feel this! I dipped my toes into palladium a few years back for the same diversification reason, thinking it was the next big thing. Honestly, my experience was a bit 'meh.' It didn't really move the needle like my gold and silver did, and the buy/sell spreads felt a bit wider.

For me, it felt like an unnecessary complication after a while. I ended up consolidating back into more gold and silver, especially with the current market. Might be worth considering if you're really looking for deep diversification, but for ease of mind and clear returns, the classics have been my go-to.

matthew_murphy👑Elite (1m-5m)Real Investor•less than a minute ago

Interesting thought process! You mentioned "rounds" for silver. Are those specific types of rounds, like government-minted coins or more generic silver rounds? Just curious if that plays into your diversification strategy at all.